Kiva Business Microloan is a business loan from Kiva. The annual fee is No fees. The ongoing APR is 0% interest after a 0% introductory rate. Approval typically requires a credit score of No minimum credit score or higher. Typical credit limit: $1,000 to $15,000 (applicants without official business documents may be limited to $1,000 to $3,000). Funding speed: Usually takes 20-30 days. Loan terms: Repayment starts one month after receiving the loan; repayment stage usually 12 to 36 months; agricultural loans have a 6-month grace period. Minimum annual revenue: You must be able to prove revenue (i.e., donations) in the past 12 months if your business is a nonprofit organization.. 0% interest crowdfunded microloan up to $15,000. No credit check. No fees. Peer-to-peer lending through Kiva.org. Must recruit lenders through social network. Nonprofit lender.